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    Banks - Regional
Elmer Bancorp, Inc.

Elmer Bancorp, Inc.

ELMA
Elmer Bancorp, Inc.US flagOther OTC
26.25
USD
- -
- -
30.23MMarket Cap
Elmer Bancorp, Inc.
ELMA
(Other OTC)

Recent

price

26.25

P/E

ratio

- -

div

yld

- -

ROIC.AI

2003
2004
2005
2006
2007
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.88
8.05
8.63
8.73
8.56
10.74
10.64
10.83
11.26
12.06
13.96
13.74
- -
8.48
Revenue per Share
1.76
1.67
1.86
1.91
1.4
1.61
1.8
1.28
1.7
2.27
2.77
2.5
- -
1.38
Basic EPS, GAAP
2.13
1.58
2.24
- -
- -
1.96
1.84
1.07
1.08
1.85
2.69
1.85
- -
- -
Free Cash Flow per Basic Share
1.5
1.16
1
- -
- -
0.6
0.6
0.16
0.37
0.4
0.52
0.5
- -
- -
Dividend per Share
13.58
14.1
14.93
14.01
14.58
23.69
24.87
26.01
27.34
29.18
31.61
33.8
- -
14.45
Book Value per Share
13.51
13.98
14.82
14.32
14.81
21.97
23.33
24.6
25.7
25.53
28.5
31.01
- -
14.68
Tangible Book Value per Share
1
1
1
1
1
1
1
1
1
1
1
1
- -
1
Basic Weighted Avg Shares
9
10
10
11
10
12
12
12
13
14
16
16
18
10
Sales/Revenue/Turnover
37.7
34.76
36.32
36.42
- -
- -
- -
- -
- -
- -
- -
- -
- -
19.32
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
2
2
2
2
2
2
1
2
3
3
3
3
2
Net Income, GAAP
40.85
40.35
40.68
39.89
38.81
27.36
27.89
26.44
27.25
28.03
28.63
26.02
22.48
38.81
Effective Tax Rate (%)
22.3
20.74
21.55
21.89
16.32
15.02
16.94
11.83
15.1
18.82
19.86
18.19
18.71
16.32
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
2
- -
- -
1
- -
- -
- -
- -
- -
- -
- -
- -
1
LT Debt
16
17
18
17
18
25
27
28
29
29
33
35
39
18
Total Equity
- -
11.53
12.29
13.21
- -
- -
- -
- -
- -
- -
- -
- -
- -
6.77
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
12.07
12.83
13.3
9.71
8.28
7.42
5.04
6.37
8.03
9.12
7.62
8.27
9.71
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'07
Sep'07
Dec'07
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
1
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
32
29
24

Working Capital

FRC

•

in mil. unless spec.
Jun'07
Sep'07
Dec'07
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
5
5
5
Accounts Receivable, Net
1
1
1
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.71%
6.82%
10.36%
Free Cash Flow
- -
24.25%
35.57%
Net Income, GAAP
6.3%
18.77%
15.8%
Sales/Revenue/Turnover
5.71%
7.47%
12.57%
Total Cash Common Dividend
- -
33.18%
0.53%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
16
2024
- -
- -
- -
- -
16
2025
- -
- -
- -
- -
18

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
2.77
2024
- -
- -
- -
- -
2.5
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.52
2024
- -
- -
- -
- -
0.5
2025
- -
- -
- -
- -
- -
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Business
Elmer Bancorp, Inc. (ELMA) is a bank holding company for The First National Bank of Elmer, which provides a full range of business and personal banking products and services to consumers and businesses in southern New Jersey; these include deposit accounts such as checking, savings, money market, and individual retirement accounts; consumer loans, home equity loans, residential mortgages, fixed- and adjustable-rate mortgages, jumbo mortgages, and Visa check and credit cards; business loans encompassing commercial and industrial loans, term loans, lines of credit, commercial real estate loans, construction and land development loans, owner-occupied real estate loans, business expansion loans, small business administration loans, commercial mortgages, and letters of credit; as well as trust services, online banking, mobile banking, and remote deposit capture. The bank operates six full-service offices in Cumberland, Gloucester, and Salem counties, New Jersey. Founded in 1914 and headquartered in Elmer, New Jersey, the company reported record loan balances in 2023, contributing to net income of $2.604 million and earnings per share of $2.77, and opened a new loan processing office in Burlington County in early 2025 to support loan growth and geographic expansion.

Company News

APIChatGPT

  • businesswire.com

    Elmer Bancorp, Inc. Announces First Quarter 2026 Financial Results

  • businesswire.com

    Elmer Bancorp, Inc. Announces Cash Dividend and Annual Meeting Date

  • businesswire.com

    Elmer Bancorp, Inc. Announces Special Cash Dividend

  • businesswire.com

    Elmer Bancorp, Inc. Announces Another Year of Record Earnings, Fourth Quarter and 2025 Annual Financial Results

  • businesswire.com

    Elmer Bancorp, Inc. Announces Third Quarter 2025 Financial Results

  • businesswire.com

    Elmer Bancorp, Inc. Announces Cash Dividend

  • businesswire.com

    Elmer Bancorp, Inc. Announces Second Quarter 2025 Financial Results

  • businesswire.com

    Elmer Bancorp, Inc. Announces First Quarter 2025 Financial Results

  • businesswire.com

    Elmer Bancorp, Inc. Announces Cash Dividend and Annual Meeting Date

  • businesswire.com

    Elmer Bancorp, Inc. Announces First Quarter 2024 Financial Results

  • businesswire.com

    Elmer Bancorp, Inc. Announces Special Cash Dividend

  • businesswire.com

    Elmer Bancorp, Inc. Announces Second Consecutive Year of Record Earnings, Fourth Quarter and 2023 Annual Financial Results

  • businesswire.com

    Elmer Bancorp, Inc. Announces Third Quarter 2023 Financial Results

  • businesswire.com

    Elmer Bancorp, Inc. Announces Cash Dividend

  • businesswire.com

    Elmer Bancorp, Inc. Announces Second Quarter 2023 Financial Results